Q. What is the BREEZE BANKING Savings Account? What are the advantages of holding a BREEZE BANKING Savings Account?

The BREEZE BANKING Savings Account is a new variant of a Savings Account. The account has been designed to suit your individual needs of personalisation and convenience:

• You can apply for the account online at breezebanking.standardchartered.co.in . Just fill up the form and we will contact you to complete the necessary documentation
• It provides you with the option to personalise the look of your debit card using the card personalisation tool; upload an image of your choice or choose from our image gallery and design the look of your card
• You earn accelerated rewards (5x) on spends on Retail Fashion, Entertainment and Department stores (3x from 1st April, 2012)
• Plan your expenses and save up for that dream you have always wished could come true using the Wishlist Application on Internet Banking
• Anywhere Branch Banking with access to 92*** branches spread across 37 cities
• Online Banking, Mobile Banking, 24/7 Phone Banking facilities available

Q. How do I apply?

You can apply by going on to the BREEZE BANKING website: breezebanking.standardchartered.co.in Alternatively, you could walk into any of our Standard Chartered Branches

Q. What documents will I need?

You would require the following:

• Identity Proof (Any one): Passport, Photo PAN Card, Voters ID Card, Photo Ration Card
• Address Proof (Any one): Passport, Telephone Bill, Ration Card, Electricity Bill, Life/Medical Insurance policy, Rental Agreement, Apartment Allotment Letter

Q. What is the minimum Average Quarterly Balance (AQB) requirement for a BREEZE BANKING Savings Account?

The Account is a zero balance savings account for the first 6 months from account opening (AQB charges are waived for this period). Post this period, the account has an AQB of Rs 50,000* (*Employee Banking - Please refer to corporate offer for complete details)

Q. What is the rewards program?

• You earn accelerated rewards (5x) on spends on Retail Fashion, Entertainment and Department stores (3x from 1st April, 2012)
• You can convert your reward points to cash and credit them back to your account as you spend - Earn in cash as you spend!
• Furthermore, your reward points do not expire at the end of the year. The Reward points accrued will be available for redemption for a period of 3 years from the year of accrual; for example: if you spend in 2011, your points will be valid till December 31st 2013
• The card also offers a Rewards Grande program, where you get additional reward points upon using online banking, mobile banking, ATMs and ECS
• You can start redeeming once you reach 500 points

Q. What are the charges and fees applicable to the BREEZE BANKING Savings Account?

Please refer to the Schedule of Service Charges for details on fees and charges

Q. How do I personalise the face of my BREEZE BANKING Debit Card?

You can personalise the image you want on your debit card at the time of application of your debit card. We have a good collection of images in our image bank that you can choose from. Furthermore, you can also choose to use your own image by applying through our online internet site (www.breezebanking.standardchartered.co.in) and uploading an image of your choice.

Q. How much does Image Personalisation cost?

The Image Personalisation service is completely free till April 30th 2012, post which you will be charged Rs 149. The cost of reissuing a card with image personalisation is Rs 149

Q. Can I use my own picture during the application process?

Yes, you can use your own picture as the card face at the time of application, as per the Image guidelines available online. Once you submit your image online, we will screen your image to check if it meets our guidelines and let you know the status within 24 hours of image submission via email to the address entered by you online. In case your image does not meet our guidelines, you will be sent a web link through which you will have 48 hours to redesign your card using an image from our image gallery online. In case we do not receive an image within 48 hours, we will issue the default card face. Please refer to the guidelines on what images can be used on our website www.breezebanking.standardchartered.co.in

Q. What is the Wishlist?

The Wishlist is an online computer application that allows you to notionally allocate your savings towards the fulfilment of your wishes - products or services that you aspire to have. The application helps you plan your savings to meet a financial target that you want to achieve in order to buy a product or service. The application is linked to your BREEZE BANKING Savings Account. However, it does not involve any transfer or use of your funds; all amounts are purely notional.

To know more, check out the Wishlist video available on the Wishlist site, by clicking on ´Wishlist´ on your internet banking page.